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− | + | '''Vivid''' is an online bank from Germany. It offers '''English support''' and does '''not require ''Anmeldung''''' to open an account. There is '''no monthly fee''' for the standard account. | |
− | '''Vivid | ||
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+ | == Frequently Asked Questions (FAQ) == | ||
+ | === Which documents do I need to open an account? === | ||
* a supported ID or passport | * a supported ID or passport | ||
− | ** see here [https://help.vivid.money/en/articles/ | + | ** see here [https://help.vivid.money/en/articles/4159457-how-do-i-verify-my-identity-and-what-document-can-i-use the current list] |
** (note: passports from Ukraine 🇺🇦 are accepted) | ** (note: passports from Ukraine 🇺🇦 are accepted) | ||
− | * You do not need | + | * You do not need an ''Anmeldung''. |
− | + | === How is my money protected? === | |
− | + | * Vivid is supported by [https://en.wikipedia.org/wiki/Solarisbank solarisBank], which holds a '''German banking license''', so your money (up to '''€100,000''') is '''protected''' by the German ''[https://en.wikipedia.org/wiki/Entsch%C3%A4digungseinrichtung_deutscher_Banken Einlagensicherung]''. | |
− | * Vivid is supported by [https://en.wikipedia.org/wiki/Solarisbank solarisBank], which holds a '''German banking license''', so your money (up to '''€100,000''') is '''protected''' by the German [https://en.wikipedia.org/wiki/ | ||
* So even if Vivid '''goes bankrupt''', your money will be '''safe''', guaranteed by the German state. | * So even if Vivid '''goes bankrupt''', your money will be '''safe''', guaranteed by the German state. | ||
− | + | === How much does Vivid cost? === | |
− | * Opening and '''keeping''' the account is '''always free'''. (So even if you stop using it, you can keep it, without paying anything.) | + | * Opening and '''keeping''' the account is '''always free'''. (So even if you stop using it, you can keep it, without paying anything.) '''Withdrawing cash''' at bank machines is '''free''' up to '''€200 per month'''. You can use any machine, in Germany or abroad. |
+ | * If you withdraw money, it must be '''€50 or more''' per withdrawal. If you withdraw more or less than these limits, you pay '''3%''' (but not less than '''€1'''). | ||
* '''Paying''' with the Visa card is '''always free''', no matter if in EUR or another currency. Even better, when paying abroad, the will '''show''' you immediately the price in the '''foreign currency and in EUR''', too. So you can see better how much you paid. | * '''Paying''' with the Visa card is '''always free''', no matter if in EUR or another currency. Even better, when paying abroad, the will '''show''' you immediately the price in the '''foreign currency and in EUR''', too. So you can see better how much you paid. | ||
− | + | === Which card do I get with Vivid? === | |
− | * | + | * If you top up your account with €200, you get a '''free VISA debit card''' (made from '''metal'''), sent to you home by mail. |
− | + | * Additionally, you get a '''virtual Visa card''' for free. | |
− | * | + | * And both cards, you can "'''freeze'''" (=block) and '''unfreeze''' in the app with one tap. |
− | + | * This makes the virtual card an '''ideal tool for online payments''': Keep it always frozen, and only unfreeze it when you make an online purchase. This way, even if the card number gets stolen/hacked, it cannot be used. | |
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− | + | === What transactions can I make & receive? === | |
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− | + | * You get a regular '''German IBAN number''', so you can make and receive any '''SEPA''' transactions. | |
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− | * You can make and receive any '''SEPA''' transactions. | ||
* For example, with Vivid you can: | * For example, with Vivid you can: | ||
** '''receive salary''' from your job | ** '''receive salary''' from your job | ||
** '''pay rent''' to your landlord. | ** '''pay rent''' to your landlord. | ||
− | + | === In which language can I use Vivid? === | |
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* The app and the customer support are available in: | * The app and the customer support are available in: | ||
Line 65: | Line 43: | ||
* Their first reply comes usually after 5 to 30 minutes. | * Their first reply comes usually after 5 to 30 minutes. | ||
− | + | === How can I deposit cash? === | |
− | + | * You '''cannot deposit cash''' onto your Vivid account. | |
− | + | * To top up your account, you can only send '''SEPA transfers'''. | |
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− | + | == Sign up == | |
+ | You can sign up completely online. Open the link below and follow the instructions: | ||
− | {{ | + | * {{AffLink|Open a Vivid Money account|vivid}} |